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Amica Insurance Review

Learn if Amica is the right provider for your auto insurance coverage.

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09/10/2023 06:13 PM

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Amica is one of the oldest car insurance providers in the country. While the company has more than 100 years of industry experience, is it the right choice for you?

In this Amica insurance review, we’ll look at the company’s options for car insurance coverage and its reputation with customers. Our team has reviewed the best car insurance companies, and we recommend comparing quotes from several providers before choosing one.

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About Amica

Founded: 1907
States available: 50 states
AM Best financial strength rating: A+
Insurance types: Auto, home, life, umbrella, renters, condo, marine, motorcycle, wedding and event, small business, retirement, flood, pet, and RV and trailer

Amica Mutual Insurance Company, headquartered in Lincoln, Rhode Island, offers insurance products such as auto, home, and life insurance. Amica’s glowing customer reviews and more than 100 years of experience in the industry set it apart from the competition.


Amica Car Insurance Cost And Discounts

Car insurance from Amica can be an affordable option. The auto insurance provider’s discounts can help offset that cost, making policies even more budget friendly. Below is a list of insurance discounts you may be eligible for as an Amica customer:

Car Insurance DiscountDiscount Description
LoyaltyProvides a loyalty discount when you’ve been with any auto insurer for at least 2 years
HomeownershipMay save you money for owning a home
BundlingSaves you up to 30% for bundling auto with home and other policies
MulticarOffers up to 25% off for insuring 2 or more vehicles
Young Driver TrainingProvides a discount when a driver under 21 completes an accredited driver training program
Good StudentOffers discounts for full-time high school or college students with a “B” average or higher
Student Away at SchoolDiscount for when your child away at school doesn’t have a car
Parent LoyaltyDiscount for drivers under 30 whose parents have had Amica auto policies for at least 5 years
Accident-FreeGives you a discount if you’ve been claim-free for the past 3 years
Defensive Driver TrainingGets you a discount for taking an approved driver safety course
Anti-TheftRewards policyholders for using anti-theft devices
Electronic Stability ControlOffers a discount if your vehicle has electronic stability control
Passive RestraintsRewards you with a discount if your vehicle has air bags
Forward-Collision WarningProvides a discount if your car has a collision-avoidance feature and automatic detection devices
Adaptive HeadlightsGives you a discount if your car has headlights designed for low-light conditions
Paid In FullSaves you money if you pay your whole policy premium up front
AutoPayGives you a discount for using automatic payments
PaperlessGets you a discount for receiving documents and bills electronically

Common Factors That Affect Car Insurance Costs

While discounts can be helpful in reducing insurance costs, it’s important to know what influences those prices. These common factors can affect your insurance premium:

  • Age: Insurance companies view teenagers as high-risk drivers, so they’re more expensive to insure.
  • Driving history: How long you’ve been driving and how many tickets you’ve gotten help determine how much you pay for coverage.
  • Credit score: Drivers with poor credit tend to file more claims, which can raise insurance premiums.
  • Location: The state and ZIP code you live in will affect the price of your insurance.
  • Gender: In most states, young men usually pay more for coverage because insurance providers see them as more likely to take driving risks.
  • Insurance history: Insurance companies view a lack of continual coverage as a risk.
  • Annual mileage: If you drive less than 7,500 miles per year or more than 15,000, it will likely affect the cost of your auto insurance.
  • Claims history: Companies view a long insurance claims history as a red flag.
  • Vehicle type: Insurance rates for sports cars and luxury vehicles are higher than those for a typical sedan.
  • Vehicle financing: If your car is financed, the lender will probably require you to have full coverage, which includes collision and comprehensive car insurance.

Amica Auto Insurance Coverage

Most states have minimum car insurance coverage requirements for drivers. If Amica operates where you live, it will satisfy your state’s minimum requirements and offer additional types of coverage.

Below are the standard types of car insurance available with Amica’s insurance policies:

Type of Car InsuranceDescription
LiabilityBodily injury (BI) liability car insurance covers the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability coverage pays for damages to other drivers’ vehicles after an accident where you’re at fault.
CollisionCollision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.
ComprehensiveComprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it’s stolen or vandalized.
Medical PaymentsMedical payments (MedPay) insurance covers medical bills for you and your passengers after an accident.
Personal Injury ProtectionPersonal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for expenses such as lost wages.
Uninsured/Underinsured MotoristUninsured/underinsured motorist coverage pays for damages to your vehicle if you’re hit by another driver who doesn’t have insurance or doesn’t have enough insurance to fully pay for the cost of damages.

Additional Amica Coverage Options

Amica offers additional insurance options that can be purchased individually or packaged together as Platinum Choice® Auto. Here’s a list of these available add-ons:

Type of CoverageDescription
Full Glass CoverageThis upgrade covers the cost of your deductible for any type of glass damage.
Identity Fraud MonitoringThis upgrade provides you with 24/7 monitoring of your credit files and personal information. If something unusual is detected, a fraud specialist will provide expert help.
Prestige Rental CoverageThis upgrade offers reimbursement for rental car costs if your car is damaged in a covered accident.

Amica Mobile App

Some car insurance companies provide a great customer experience when it comes to coverage but fail to keep up with technology. This isn’t the case with Amica. The insurer’s mobile app is functional and dependable, letting policyholders pay bills, manage claims, and more.

The Amica mobile app is highly rated by consumers. It averages 4.2 out of 5.0 stars on Google Play based on more than 670 customer reviews. In the App Store, it’s rated a near-perfect 4.8 out of 5.0 stars from more than 7,900 customer reviews.


Amica Reviews

BBB rating: A+
BBB complaints in last three years: 96
J.D. Power customer satisfaction index: 895
Trustpilot rating: 4.5

The Better Business Bureau (BBB) gives Amica an A+ rating and accreditation. While Amica receives high marks from the BBB, customer reviews on the site create a different picture. Customers give an average rating of 1.1 out of 5.0 stars, though this is based on fewer than 50 reviews. On the other hand, more than 1,500 customers on Trustpilot give Amica an average rating of 4.5 out of 5.0 stars.

Positive Amica Reviews

Positive Amica insurance reviews mention long track records of friendly and supportive service.

“My experience with Amica extends back over 65 years. It has been unfailingly excellentresponsive, informative, and friendly. Thankfully, I have had few occasions to file a claim.”

– Albert via Trustpilot

“Best insurance company I’ve ever hadever. Nicest people, fast turnaround on claims, and in all the years I’ve used Amica, I have never had one single issue. I’m now a customer for life!”

– Douglas via Trustpilot

Negative Amica Reviews

Negative Amica insurance reviews mention price increases and a website that’s not user friendly

I am so disappointed in this company. Their website is not user friendly, you can only call during business hours, you speak to a different person every time and the customer service agents are incompetent. Needless to say, I am obtaining other car insurance quotes tonight.

– Anonymous via Trustpilot

Yearly price increases are significant with no claims and no explanation from service when you call in.

– Alesha via Trustpilot


Bottom Line On Amica: 4.0 Stars

Overall, we rate Amica Mutual Insurance Company 4.0 out of 5.0 stars for its cost, customer service, reliability, and coverage. It has ample discount opportunities, as well as policy upgrades that come in handy in an emergency situation. Amica could be a good option for auto insurance and provide you with the coverage you need.

Cost4.5
Coverage4
Reliability4
Service4.5
Overall Rating4

Other Recommendations For Car Insurance

Drivers have many options for high-quality car insurance. When you’re shopping around, we recommend getting quotes from the auto insurance providers below.

Geico: Best For Discounts

Our review team recognizes Geico as Best for Discounts in our 2022 ranking of the top auto insurance providers. Geico is well suited for students and military families, offering discounts of up to 15 percent for both groups. Our rate estimates show it provides some of the cheapest car insurance rates on average for good drivers.

Geico has been providing high-quality coverage since 1936 and is the second-largest car insurance provider in the nation, according to the National Association of Insurance Commissioners. This provider has an A++ financial strength rating from AM Best and an A+ rating from the BBB.

For more in-depth information about this company, read our Geico insurance review.

USAA: Best For Military Members

Our review team recognizes USAA as Best For Military Members in 2022, as USAA coverage is only available to military members, veterans, and their families. Good drivers are likely to find the lowest rates from this company.

USAA has an A++ financial strength rating from AM Best and an A+ rating from the BBB. The company has been providing auto insurance policies since 1922.

For more information, read our USAA insurance review.

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Amica Insurance Reviews: FAQ

Is Amica a reputable company?

Yes, Amica is a reputable company. It has an A+ BBB rating and over 100 years of experience in the industry, making it the oldest mutual insurer of vehicles in the United States.

How expensive is Amica insurance?

The price of auto insurance from Amica depends on factors including the policyholder’s age, location, coverage limits, and driving experience.

Does Amica have good customer service?

Amica has good customer service and holds an average TrustPilot customer rating of 4.5 out of 5.0 stars. Our review team also gave Amica 4.5 stars for its customer service.

Is Amica competitive?

Though the price of car insurance is determined by many factors, Amica offers competitive rates compared to the industry standard. According to our rate estimates, Amica charges an average of $1,836 per year for full-coverage car insurance for good drivers. That’s about 6 percent higher than the national average, which is $1,730.

What does Amica stand for?

Amica stands for Automobile Mutual Insurance Company of America.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.